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System and method for mobile check deposit

DC CAFC
  • US 10,013,681 B1
  • Filed: 07/28/2017
  • Issued: 07/03/2018
  • Est. Priority Date: 10/31/2006
  • Status: Active Grant
First Claim
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1. An image capture and processing system for use with optical character recognition (OCR), the image capture and processing system comprising:

  • a portable device comprising a general purpose computer including a processor coupled to a memory, the memory storing;

    camera software comprising instructions that, when executed by the processor, control a digital camera;

    a downloaded software component to control the camera software and to handle capturing electronic images, the software component comprising instructions that, when executed by the processor, cause the portable device to perform operations including;

    instructing a user of the portable device to have the digital camera capture electronic images of front and back sides of a check;

    displaying a graphical illustration to assist the user in having the digital camera capture the electronic images of the check;

    giving an instruction to assist the user in placing the digital camera at a proper distance away from the check for capturing the electronic images;

    presenting the electronic images of the check to the user after the electronic images are captured;

    confirming that a deposit can go forward after optical character recognition (OCR) is performed on the check, the optical character recognition (OCR) determining an amount of the check, comparing the determined amount to an amount indicated by the user, and reading a Magnetic Ink Character Recognition (MICR) line of the check;

    checking for errors; and

    using a wireless network, transmitting a copy of the electronic images over a public communications network from the portable device and submitting the check for deposit after the user is authenticated, the electronic images of the check are presented to the user, and the portable device checks for errors;

    a plurality of processors coupled to a plurality of memory devices storing instructions that, when each instruction of the instructions is executed by a processor of the plurality of processors coupled to a memory device of the plurality of memory devices storing that instruction, cause the system to perform one or more additional operations including generating a log file for the deposit, the log file including a bi-tonal image of the check; and

    an other computer, remote from the portable device, comprising a processor coupled to a memory storing instructions that, when executed by the processor, cause the other computer to update a balance to reflect the check submitted for deposit by the portable device,wherein the transmitted copy of the electronic images is a modified version of the electronic images captured with the digital camera, the modified version having a different electronic format than the images captured with the digital camera.

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